Privacy Policy

Effective Date: December 24, 2025 Last Updated: December 24, 2025

At Moneo | My Finance, we respect your privacy and are committed to protecting your personal data. This Privacy Policy explains how Kello Solutions ("we," "us," or "our") collects, uses, and safeguards your information when you use our mobile application.

1. Information We Collect

To provide a comprehensive personal finance experience, we collect the following types of information:

A. Information You Provide to Us

• Account Information: Name, email address, and login credentials.

• Financial Data: Budget goals, transaction categories, and manually entered expenses.

• Communication: Any information provided when contacting support via info@kellosolutions.com.

B. Automated Information Collection

• Device Data: Device model, operating system version, and unique device identifiers.

• Usage Data: Information on how you interact with the app (e.g., features used, time spent in-app).

• Cookies & Tracking: We use local storage and similar technologies to remember your preferences.

2. How We Use Your Information

We use your data to:

• Provide Services: To calculate budgets, track spending, and display financial insights.

• Improve the App: To analyze user behavior and fix technical bugs.

• Communication: To send you updates, security alerts, and support responses.

• Compliance: To meet legal obligations and prevent fraudulent activity.

3. Data Sharing and Third Parties

We do not sell your personal information. We may share data with third parties only in the following cases:

• Service Providers: We may use third-party vendors (e.g., cloud hosting, analytics, or financial data aggregators) who are contractually obligated to protect your data.

• Legal Requirements: If required by law, we may disclose information to authorities to comply with legal processes.

• Business Transfers: In the event of a merger or sale of Kello Solutions, your data may be transferred to the new owner.

4. Data Security

We implement industry-standard security measures, including:

• Encryption: Data is encrypted both in transit (SSL/TLS) and at rest.

• Access Control: Access to sensitive data is restricted to authorized personnel only.

• Regular Audits: We periodically review our security practices to protect against unauthorized access.

5. Your Rights and Choices

Depending on your location (e.g., GDPR/CCPA), you may have the following rights:

• Access: Request a copy of the personal data we hold about you.

• Correction: Request that we fix inaccurate information.

• Deletion: Request that we delete your account and associated data.

• Opt-out: You can manage notification preferences in the app settings.

6. Children's Privacy

Moneo | My Finance is not intended for individuals under the age of 13 (or 16 in certain jurisdictions). We do not knowingly collect personal information from children.

7. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of any significant changes by posting the new policy within the app or via email.

8. Contact Us

If you have questions or concerns regarding this Privacy Policy, please contact us at:

Kello Solutions Email: info@kellosolutions.com